Multilingual spoken-password based user authentication in emerging economies using cellular phone networks

Mobile phones are playing an important role in changing the socio-economic landscapes of emerging economies like India. A proper voice-based user authentication will help in many new mobile based applications including mobile-commerce and banking. We present our exploration and evaluation of an experimental set-up for user authentication in remote Indian villages using mobile phones and user-selected multilingual spoken passwords. We also present an effective speaker recognition method using a set of novel features called Compressed Feature Dynamics (CFD) which capture the speaker-identity effectively from the speech dynamics contained in the spoken passwords. Early trials demonstrate the effectiveness of the proposed method in handling noisy cell-phone speech. Compared to conventional text-dependent speaker recognition methods, the proposed CFD method delivers competitive performance while significantly reducing storage and computational complexity - an advantage highly beneficial for cell-phone based deployment of such user authentication systems.